Nick Holland

Nick Holland is a well-known and respected thought leader in fintech. He has spent more than 13 years focusing on the intersection of mobile, retail payments and security, working at many of the most renowned research houses in the industry. His prior roles include head of payments and mobile at Javelin Strategy, where he conducted in-depth research on EMV, mobile proximity payments, digital wallets, tokenization and biometrics and provided consulting to financial institutions, mobile operators, processors, card networks and vendors; and mobile payments research at Yankee Group and Aite Group.

While there is a collective sense that data breaches are simply a side effect of our digital existence, there are real costs for the companies impacted. The ones that are hit the hardest are the ones that are least able to weather the fines, remediation costs and lost reputation.

As the names pile up — Equifax, Target, Home Depot, TJ Maxx, etc. — there's one thing all of these brands have in common. They all disclosed a major data security breach, and they all remain in business despite what happened.

Patty Watson had a tenured career in the banking and payments industry before becoming a senior executive with TSYS. Her path included a 15-year stint with a financial institution that she found to be instrumental in developing her career as an innovator.